511 E 17th St, Spencer, IA 51301 Property Records

Clay County property record for 511 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,060 sqft · built 1958
Lot Size	0.198 acres (8,640 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (Jul 2022)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607203009`

Property Details

APN / Parcel Number

Primary APN	`963607203009`
Alternative APN	`64096360720300900`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
Basement Area	1,060 sqft
Unfinished Basement	1,060 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Gravel
Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	96 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	511 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 1 ELMWOOD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	ELMWOOD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3002
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	511 E 17TH ST, SPENCER, IA 51301-4623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FCU
Jul 1, 2022	Warranty Deed, Transfer · FHA Mortgage MIDWEST FAMILTY LENDING CORP
Dec 1, 2020	Legal Action/Court Order, Foreclosure · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Dec 1, 2020 · Amount on Record
Deed Document Number	20221735
Deed Book / Page	2022 / 1735
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	511 E 17TH ST, SPENCER, IA 51301-4623
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/695
Date	Mar 30, 2026
Book Page	2026/695
Instrument	2026 695

Lender

Name	FIRST FCU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2036

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2022
Property Address	511 E 17TH ST, SPENCER, IA 51301-4623
Document Number	02022/1735
Book / Page	2022 / 1735
Instrument Date	Jun 26, 2022
Instrument	2022 1735
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 E 17TH ST, SPENCER, IA 51301-4623

Mortgage

Document Number	02022/1736
Date	Jul 1, 2022
Book Page	2022/1736
Instrument	2022 1736

Lender

Name	MIDWEST FAMILTY LENDING CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

December 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Dec 1, 2020
Property Address	511 E 17TH ST, SPENCER, IA 51301-4623
Document Number	02020/3799
Book / Page	2020 / 3799
Instrument Date	Nov 19, 2020
Instrument	2020 3799
Transaction Type	Foreclosure
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	511 E 17TH ST, SPENCER, IA 51301-4623

Mortgage

Document Number	02020/3800
Date	Dec 1, 2020
Book Page	2020/3800
Instrument	2020 3800

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,634.00 (+5.28%)	$172,010 (+10.04%) Land $30,960 Building $141,050	$172,010 (+10.04%) Land $30,960 Building $141,050
2024	$2,502.00 (+6.65%)
2023		$156,320 (+17.36%) Land $24,770 Building $131,550	$156,320 (+17.36%) Land $24,770 Building $131,550
2022	$2,346.00	$133,200 Land $24,770 Building $108,430
2021			$133,200 Land $24,770 Building $108,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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